Rates
SAVINGS Accounts Terms & Balances | Primary Share Savings Regular | Additional Regular Share Savings | IRA Share Savings | Coogan Share Savings | Young Performer Share Savings |
---|---|---|---|---|---|
Minimum Deposit to Open Account | $25 | None | $25 | $25 | $25 |
Minimum Balance to Maintain the Account or Avoid Low Balance Fee | $250 | None | None | None | None |
Minimum Balance to Earn Dividends | $250 | $250 | $25 | $25 | $25 |
Balance Tiers to Earn Dividends: | Annual Percentage Yield | Annual Percentage Yield | Annual Percentage Yield | Annual Percentage Yield | Annual Percentage Yield |
$25.00 - $9,999.99 | 0.300% | 0.300% | 0.300% | ||
$250.00 - $9,999.99 | 0.300% | 0.300% | 0.300% | 0.300% | 0.300% |
$10,000.00 - $24,999.99 | 0.300% | 0.300% | 0.300% | 0.300% | 0.300% |
$25,000.00 - $49,999.99 | 0.300% | 0.300% | 0.300% | 0.300% | 0.300% |
$50,000.00 - $99,999.99 | 0.500% | 0.500% | 0.500% | 0.500% | 0.500% |
$100,000.00 and Over | 0.550% | 0.550% | 0.550% | 0.550% | 0.550% |
CERTIFICATE Accounts | Minimum Deposit and Balance $1,000** | Minimum Deposit and Balance $10,000** | Minimum Deposit and Balance $25,000** | Minimum Deposit and Balance $50,000** |
---|---|---|---|---|
CERTIFICATE Term: | Annual Percentage Yield | Annual Percentage Yield | Annual Percentage Yield | Annual Percentage Yield |
6 Months | 2.500% | 2.600% | 2.650% | 2.700% |
12 Months | 3.000% | 3.100% | 3.150% | 3.200% |
24 Months | 3.000% | 3.100% | 3.150% | 3.200% |
36 Months | 3.000% | 3.100% | 3.150% | 3.200% |
48 Months | 3.500% | 3.600% | 3.650% | 3.700% |
60 Months | 3.700% | 3.800% | 3.850% | 3.900% |
CHECKING Accounts Terms & Balances | Performance Checking Account | eChecking Account | Senior Checking Account | Health Savings Account (HSA) |
---|---|---|---|---|
Minimum Deposit to Open Account | $25 | $25 | $25 | $25 |
Minimum Balance to Maintain Account | None | None | None | None |
Monthly Service Charge | $7.95 | $0.00* | $0.00* | None |
Minimum Average Balance to Avoid Service Charge | $1,000.00** | $0.00* | $0.00* | None |
Minimum Average Balance to Earn Dividends | $1,000 | N/A | N/A | No Minimum |
Balance Tiers to Earn Dividends: | Annual Percentage Yield | Annual Percentage Yield | Annual Percentage Yield | Annual Percentage Yield |
$ 0.01 and Over | 0.010% | |||
$1,000.00 and Over | 0.010% | N/A | N/A |
MONEY MARKET Account Terms & Balances | Money Market Savings Account | |
---|---|---|
Minimum Deposit to Open Account | $2,500 | |
Minimum Balance to Maintain Account or Avoid Fee | $2,500 | |
Minimum Balance to Earn Dividends | No Minimum | |
Balance Tiers to Earn Dividends: | Annual Percentage Yield | |
$ 0.01 - $2,499.99 | 0.300% | |
$2,500 - $24,999.99 | 0.800% | |
$25,000.00 - $49,999.99 | 0.950% | |
$50,000.00 - $74,999.99 | 1.300% | |
$75,000.00 - $99,999.99 | 1.400% | |
$100,000.00 and Over | 1.450% |
¹ indicates a 1% discount rate for loans scheduled for auto pay
APR* means Annual Percentage Rate. Limit Time Offer.
Loan Type | Financing up to 100% based upon creditworthiness | Amount | Term Up to | APR* As Low As | Repayment Per $1,000 Borrowed Based on APR & Term | APR* As Low As¹ | Repayment Per $1,000 Borrowed Based on APR & Term |
---|---|---|---|---|---|---|---|
2022 & Newer Model Years
|
100%
|
$5,000 or more
|
60 Months
|
5.99%
|
$19.34
|
4.99%
|
$18.88
|
2022 & Newer Model Years | 100% | $5,000 or more | 72 months | 6.24% | $16.70 | 5.24% | $16.23 |
100% | $5,000 or more | 84 Months | 8.24% |
$15.72
|
7.24% |
$15.22
|
|
2018-2021 Model Year | 100% | $5,000 or more | 60 months | 6.49% | $19.57 | 5.49% |
$19.11
|
2018-2021 Model Years
|
100% | $5,000 or more | 72 Months | 6.74% | $16.94 | 5.74% | $16.46 |
100% | $5,000 or more | 84 Months | 8.74% | $15.97 | 7.74% | $15.47 | |
2013-2017 Model Years | 100% | $5,000 or more | 60 Months | 7.99% | $20.28 | 6.99% | $19.81 |
Loan Type | Financing up to 90% based upon credit worthiness | Amount | Term Up to | APR* As Low As | Repayment Per $1,000 Borrowed Based on APR & Term | APR* As Low As¹ | Repayment Per $1,000 Borrowed Based on APR & Term |
---|---|---|---|---|---|---|---|
2022 and Newer Model Years | 90% | $15,000 or more | 84 Months | 7.49% | $15.34 | 6.49% | $14.85 |
90% | Less Than $15,000 | 72 Months | 7.99% | $17.54 | 6.99% | $17.05 | |
90% | Less Than $5,000 | 72 Months | 9.49% | $18.28 | 8.49% | $17.78 | |
2018-2021 Model Years | 90% | $15,000 or more | 72 Months | 7.75% | $17.42 | 6.75% | $16.94 |
90% | Less Than $15,000 | 60 Months | 8.25% | $20.41 | 7.25% | $19.93 | |
90% | Less Than $15,000 | 60 Months | 9.75% | $21.14 | 8.75% | $20.65 | |
2013-2017 Model Years | 90% | $15,000 or more | 48 Months | 7.75% | $24.31 | 6.75% | $23.84 |
90% | Less Than $15,000 | 48 Months | 8.25% | $24.54 | 7.25% | $24.07 | |
90% | Less Than $5,000 | 48 Months | 9.75% | $25.26 | 8.75% | $24.78 |
Loan Type | Financing up to 90% based upon credit worthiness | Amount | Term Up to | APR* As Low As | Repayment Per $1,000 Borrowed Based on APR & Term | APR* As Low As¹ | Repayment Per $1,000 Borrowed Based on APR & Term |
---|---|---|---|---|---|---|---|
2022 & Newer Model Years | 90% | $15,000 or more | 84 Months | 7.49% | $15.34 | 6.49% | $14.85 |
90% | Less Than $15,000 | 72 Months | 7.99% | $17.54 | 6.99% | $17.05 | |
90% | Less Than $5,000 | 72 Months | 9.49% | $18.28 | 8.49% | $17.78 | |
2018-2021 Model Years | 90% | $15,000 or more | 72 Months | 7.75% | $17.42 | 6.75% | $16.94 |
90% | Less Than $15,000 | 60 Months | 8.25% | $20.41 | 7.25% | $19.93 | |
90% | Less Than $5,000 | 60 Months | 9.75% | $21.14 | 8.75% | $20.65 | |
2013-2017 Model Years | 90% | $15,000 or more | 48 Months | 7.75% | $24.31 | 6.75% | $23.84 |
90% | Less Than $15,000 | 48 Months | 8.25% | $24.54 | 7.25% | $24.07 | |
90% | Less Than $5,000 | 48 Months | 9.75% | $25.26 | 8.75% | $24.78 |
Loan Type | Financing | Amount | Term Up to | APR* As Low As | Repayment Per $1,000 Borrowed Based on APR & Term | APR* As Low As1 | Repayment Per $1,000 Borrowed Based on APR & Term |
---|---|---|---|---|---|---|---|
N/A | Up to $15,000 | 60 Months | 10.90% | $21.20 | 9.90% | $20.72 |
Loan Type | Financing | Amount | Term up to | APR* As Low As | Repayment Per $1,000 Borrowed Based on APR & Term | APR* As Low As¹ | Repayment Per $1,000 Borrowed Based on APR & Term |
---|---|---|---|---|---|---|---|
N/A | Up to $50,000 |
Up to 60 Months |
6.99% |
$19.80 | 5.99% |
$19.29 |
Musical Instrument and Musical Equipment Loans must be back by a UCC filing
Loan Type | Financing | Amount | Term Up to | APR* As Low As | Repayment Per $1,000 Borrowed Based on APR & Term | APR* As Low As | Repayment Per $1,000 Borrowed Based on APR & Term |
---|---|---|---|---|---|---|---|
Automatic Payment Discount Not Available | Credit Limits up to $15,000 | Revolving | APR as low as 12.24% |
N/A | Prime + a margin | N/A |
Loan Type | Financing | Amount | Term Up to | APR* As Low As | Repayment Per $1,000 Borrowed Based on APR & Term | APR* As Low As¹ | Repayment Per $1,000 Borrowed Based on APR & Term |
---|---|---|---|---|---|---|---|
Automatic Payment Discount Not Available | 100% of Share Bal. | Up to $10,000 | 24 Months | 3.50% | $43.21 | ||
100% of Share Bal. | Up to $10,000 | 48 Months | 4.00% | $22.59 | - | - | |
100% of Share Bal. | Up to $10,000 | 72 Months | 5.00% | $16.11 |
Loan Type | Financing | Amount | Term Up to | APR As Low As | Repayment Per $1,000 Borrowed Based on APR & Term | APR As Low As¹ | Repayment Per $1,000 Borrowed Based on APR & Term |
---|---|---|---|---|---|---|---|
Automatic Payment Discount Not Available | Borrow up to 90% of your Certificate Balance for 2 Years or Less | 3.00% Above Certificate Dividend Rate | - | - | |||
Borrow up to 90% of your Certificate Balance for 2 Years or Less | 3.00% Above Certificate Dividend Rate |
Loan Type | CLTV | Amount Maximum | Term Up to | APR* |
---|---|---|---|---|
Home Equity Line of Credit | Up to 70% | $125,000 | 20 year | Prime + 0.25% |
Home Equity Line of Credit | Up to 80% | $125,000 | 20 year | Prime + 0.50% |
Loan Type | LTV | Amount Maximum | APR |
---|---|---|---|
5/1 ARM | 80% | $2,000,000 | weekly rate |
15-Year Fixed | 80% | $2,000,000 | weekly rate |
30-Year Fixed | 80% | $2,000,000 | weekly rate |